Rates effective 02/06/2026
*APY = Annual Percentage Yield. Rates are subject to change without notice. Fees may reduce earnings.
FIXED RATE CERTIFICATE SPECIALS |
Interest Rate | APY* |
|---|---|---|
| 5 Month CD | 3.51% | 3.55% |
| * The Annual Percentage Yield (APY) for the 5-month Certificate of Deposit (CD) is 3.55% as of 02/06/2026. The minimum balance to open the account is $2,500. To open, you must have a new or existing checking account. No minimum balance required to earn stated APY. There is a substantial penalty for early withdrawal. Fees may reduce earnings. Rates are subject to change without notice. All deposits are insured in full by FDIC and DIF. This product is not available for Individual Retirement Account (IRA). | ||
FIXED RATE IRA SPECIALS |
Interest Rate | APY* |
| 12 Month IRA | 3.49% | 3.55% |
| Minimum balance requirement of $500 to open. Less than minimum balance earns no interest. There is a substantial penalty for early withdrawal from IRA. Fees could reduce earnings. Rates are subject to change without notice. IRAs are subject to additional IRS considerations. All deposits are insured in full by FDIC and DIF. | ||
REWARDS CHECKING |
Interest Rate | APY* |
| $0.00 - $15,000 (if eligibility requirements are met) | 1.25% | 1.26% |
| Over $15,000 (if eligibility requirements are met) | .01% | ranging from 1.26% - .01% |
| The Annual Percentage Yield (APY) is 1.26% as of 02/06/2026. Balances up to and including $15,000.00 will earn an APY of 1.26%, and balances in excess of $15,000.00 will earn an APY of 1.26%-0.01%. If you do not meet the eligibility requirements during the statement cycle, the rate paid on your account on the entire balance will be 0.01% with an APY of 0.01%. The minimum balance to open the account is $10. To be eligible for the interest rates and APYs, and receive up to $20 reimbursement for foreign ATM fees, you must meet the following requirements during the statement cycle: enrollment in online banking and eStatements, a direct deposit of at least $100, and 10 debit card transactions posted and cleared per statement cycle. Rate is subject to change. Fees may reduce earnings. | ||
RELATIONSHIP CHECKING PREMIER |
Interest Rate | APY* |
| $.00 and over (if eligibility requirements are met) | .11% | .11% |
| $10 minimum to open. Variable rate account. The rate may change after the account is opened. A $15 monthly fee will apply if eligibility requirements are not met. Eligibility requirements means: combined deposit balances of $10,000 or more in checking, savings, CD, or IRA accounts; direct deposit of $500 or more posted and cleared to the Relationship Checking Premier account per statement cycle. Personal accounts only. | ||
LIFELINE 18/65 CHECKING |
Interest Rate | APY* |
| $0.00 | .01% | .01% |
| $10 minimum to open. Variable rate account. The rate may change after the account is opened. Must be 18 years of age or younger or 65 years of age or older to qualify. Personal accounts only. | ||
MONEY MARKET |
Interest Rate | APY* |
| $500,000+ | .40% | .40% |
| $100,000 - $499,999.99 | .40% | .40% |
| $50,000 - $99,999.99 | .40% | .40% |
| $25,000 - $49,999.99 | .20% | .20% |
| $10,000 - $24,999.99 | .20% | .20% |
| $1,000 - $9,999.99 | .10% | .10% |
| $0 - $999.99 | .05% | .05% |
| $10 minimum to open. A minimum balance fee of $10 will be imposed each statement cycle if the daily balance falls below $1,000. The rate may change after the account is opened. | ||
FIXED RATE CERTIFICATES & IRAs |
Interest Rate | APY* |
| 3 Month CD | .25% | .25% |
| 6 Month CD | .50% | .50% |
| 12 Month CD | 3.20% | 3.25% |
| 12 Month IRA | 3.49% | 3.55% |
| 18 Month CD/IRA | .85% | .85% |
| 24 Month CD/IRA | 3.44% | 3.50% |
| 36 Month CD/IRA | 1.14% | 1.15% |
| 48 Month CD/IRA | 1.24% | 1.25% |
| 60 Month CD/IRA | 1.29% | 1.30% |
| $500 minimum to open all terms, with the exception of the 6 Month CD. There is a $2500 minimum to open the 6 Month CD. There is a substantial penalty for early withdrawal. Fees could reduce earnings. 3 and 6 month terms are not available as retirement certificates (IRAs). IRAs are subject to additional IRS considerations. All deposits are insured in full by FDIC and DIF. | ||
SAVINGS ACCOUNTS |
Interest Rate | APY* |
| $10 and over | .10% | .10% |
| $10 minimum to open. Less than minimum earns no interest. Variable rate account. The rate may change after the account is opened. | ||
HOLIDAY CLUB ACCOUNT |
Interest Rate | APY* |
| $10 and over | .05% | .05% |
| $10 minimum to open. Less than minimum earns no interest. Variable rate account. The rate may change after the account is opened. | ||
COMMERCIAL MONEY MARKET |
Interest Rate | APY* |
| For rates, contact Chris Connors, Treasury & Business Relationship Officer, at 978.343.2214. | ||
| $2,500 minimum to open. Less than minimum earns no interest. Variable rate account. The rate may change after the account is opened. | ||
Routing # 211370736
NMLS # 769125